Buying Health Care Outside Marketplace Guide

Many reputable insurers sell plans directly to consumers that are identical to those found on the Marketplace. According to KFF , these "ACA-compliant" plans must cover the same 10 essential health benefits and cannot deny you for pre-existing conditions.

Can I buy health insurance outside of the Marketplace ... - KFF buying health care outside marketplace

If you are looking for specific types of coverage or need a bridge between jobs, you might encounter non-ACA-compliant options. These can be riskier but often have lower monthly premiums. Many reputable insurers sell plans directly to consumers

You cannot use federal premium tax credits or cost-sharing subsidies on these plans. buying health care outside marketplace